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Mixed policies are those policies which comprise some sickness, disability and unemployment insurance with an investment element. »Ê¹ÚÌåÓýappy are not uncommon and may exist for genuine commercial reasons.

»Ê¹ÚÌåÓýappre is, however, a possibility that an investment could be presented as a sickness disability and unemployment insurance policy in order to allow payments from the policy, which are in fact no more than a return of the premium plus a proportion of the investment ‘profitâ€�, to qualify for the exemption.

To prevent this, there must at all times be a genuine risk that the insurer may make a loss on the policy, i.e. that they would have to pay out more in benefits than they had received in premium income. If such a risk does not exist, payments from the policy will not qualify for the exemption.